Kia ora! I'm asking this question in the hope that there are people here who have experience with business loans. Our cash flows are a bit tight so I wish to investigate a business loan. Is it a simple process/common practice with the bank? We use the same bank for property holdings but I assume that won't be an issue as we have a LVR under 30% ie equity > 70%. Is there a way of determining how much the bank might lend for say every $10k of stock on hand in the business? I understand that this might depend on other factors like income relative to stock on hand, net profit (ie income and expenses) or the sizes of mortgages. I do wonder whether a simpler task maybe increasing the mortgage size. Any insights would be really appreciated!